Farmers Insurance Senior Liability Representative Tells All
What was your job title at Farmers Insurance? Senior Liability Rep
How long did you work at Farmers Insurance? Just under 5 yrs
When did you leave Farmers Insurance? Still employed
Did you use Colossus to calculate (low-ball) claims? yes
Is there software programs used to calculate claims for Life, Auto, Homeowners, if so what are they called? Explain how each is used to low-ball a claim. Now using CC, Colossus was done away with. CC utilizes zip codes and we enter medicals into system based on severity of injury and arrive at general damages amounts. We are told to state that this is a only a “tool” and that we use experience and judgement to evaluate claims. This is a lie.
What other software programs are used for claims? CRN
Is there pressure to low-ball and deny claims? Explain. Absolutely. We are told to reduce medical bills if we think too many procedures were used or costs are not what we feel is appropriate. We are looking for ways to not pay the claims.
What “incentives” or “contests” were there for low-balling and/or denying a claim? Explain. They are not giving any incentives for this. It is a job requirement.
If you have low-balled, I am sure you may feel bad about it. Describe the top two cases (or more if you like) you feel bad about low-balling? Explain the scenario and why you feel bad about it. Specialist provide prognosis and we cut it down based on the persons health and years we expect them to live. Lower socioeconomic, elderly persons are given less. They aren't really paying us anything anymore, these are job duties.
For those who are trying to get a fair settlement from Farmers what advice would you give them to deal with Farmers Insurance Claims (Break down into categories of auto, body, home, and life if necessary)?
Auto and home injury claims get a lawyer. Farmers wants documentation for medical proof well beyond what is reasonable and then we question what “specialists” provide for records.
What is the top three things every claimant should know?
All injuries: the adjusters have to meet with you or they are penalized for not doing so. You must sign a medical authorization so that we can get your records. We are going to question any prior injuries. You need to clearly detail all “hobbies, lifestyle, wages that you feel are compromised by the injury” We will get your history with or without your written permission. If you retain an attorney. He'll provide it for us.
What other questions do you recommend we add to this questionnaire? Feel free to add them below and answer them.
Adjusters are being pushed to settle claims for next to nothing, to diminish injuries and treatments received. We are being forced to document files to the point of severely delaying the time to settle a claim. We aren't given any authority to settle claims. Management is in EVERYTHING.
If there is anything else you want to share that others should know about Farmers Insurance? They truly do not care for their employees and that means even less concern for the consumer.